My Journey out of Debt

Featured customers currently enrolled in a CareOne Debt Relief Plan, share journey to become debt-free; hear how they juggle family, finances, and more.
  • My Journey out of Debt

    Preparing for Life AFTER a Debt Management Plan (DMP)

    • 15 Comments

    People who run up their credit cards again have also failed to implement the tools and habits they used to get out of debt, or failed to solve whatever problem is driving them to overspend

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  • My Journey out of Debt

    Couples: The Spender and the Saver

    • 14 Comments

    Bringing up financial issues with your spouse or significant other is never easy.  In many relationships, couples differ when it comes to finances.

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  • My Journey out of Debt

    Rising Gas Prices Will Not Get me Down!

    • 14 Comments

    I have a bicycle; why don't I just use it to get to and from the gym? Sure, it would take a little longer, but I'd be exercising which is the whole point anyway. I could bike to the gym, do additional cardio or strength training, and then ride my bike home. 

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  • My Journey out of Debt

    Savings? What Savings?

    • 14 Comments

    I am not going to lie; I try very hard to put aside money into a savings account and no matter how hard I try, something comes up and I end up needing that money for some sort of urgent expense. 

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  • My Journey out of Debt

    CareOne Community Member Spotlight - "mdavis1964"

    • 13 Comments

    Introducing a new featured segment for the My Journey out of Debt blog; CareOne Community Member Spotlight! We are placing the spotlight on some of the familiar members you see engaging in the Community.

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  • My Journey out of Debt

    I am Obsessed With Mystery Shopping!

    • 13 Comments

    I have a problem that few people know about.  You may even call it an obsession: The thrill of going into a store and talking to and observing employees. Going into a restaurant, and having a great meal with my family. And getting paid for it.

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  • My Journey out of Debt

    The Hangover

    • 13 Comments

    You may know what I'm talking about. You've finally come to the realization that you need to sit down, really survey the damage the holidays have had on your financial landscape, and think about how you can prevent the same thing from reoccurring.

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  • My Journey out of Debt

    Have I Learned My Lesson with Credit Cards?

    • 13 Comments

    I have a confession. After swearing off credit cards and paying for my past mistakes over the past three years, I opened a new credit card account. I did.

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  • My Journey out of Debt

    Help, I Can't Pay my Tax Bill!

    • 12 Comments

    As I continued answering the questions, and filling in numbers, the amount I owed was going down, but it soon became obvious that I when it was all said and done, I was going to owe more than I had been planning for.

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  • My Journey out of Debt

    A Broken Dishwasher Isn't so Bad

    • 12 Comments

    Since it was during the holidays, money was extra tight-we wanted to give our kids the best Christmas we could. Having a dishwasher wasn't a necessity, so we decided to wait to spend the money for a repair person to fix the latch until after the New Year.

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  • My Journey out of Debt

    An Honest New Year's Resolution Gut-Check

    • 12 Comments

     If nothing else I continue to be committed to working at my resolutions, and that has to count as a win in my book.  Here on day 60 of 2011, it's time for a serious and honest gut check as to how my New Year's resolutions are progressing.

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  • My Journey out of Debt

    Who Knew Dance Recitals Were so Expensive

    • 12 Comments

    We've done this for a few years now, and know how much this preparation can cost; we have found ways to make it as inexpensive as possible:

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  • My Journey out of Debt

    Changing Jobs While Enrolled in the Debt Management Plan

    • 11 Comments

    While from a pay perspective this is a lateral move, from a "happiness" or "fulfillment" perspective, this is an excellent move for Vonnie and our family.

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  • My Journey out of Debt

    Retirement – What Comes Next?

    • 11 Comments

    My main objective was to simplify my lifestyle and stop to smell the roses along the way.  It's been nine years since I retired and I'm very happy.  I feel my road map to retirement made all the difference. 

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  • My Journey out of Debt

    Eating GOOD For Less

    • 10 Comments

    Our population is increasing but our farmland is decreasing. Not that long ago families in American actually grew their own foods. Yes, I know it may be shocking to some of us, but people used to be self-sustaining and we may need to do it again in the near future.

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  • My Journey out of Debt

    We’ve Been in Your Shoes – Employee Spotlight Ricky Jackson

    • 10 Comments

    At that time that look just made me feel worse, I didn't want pity, I wanted help.

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  • My Journey out of Debt

    The Pizel Family Ornament Tradition

    • 10 Comments
    Some friends of ours invited us down to their house to hang out and watch a movie. As we sat in their living room, I stared at their Christmas tree and the brilliant colors coming from the branches. Something was different than I had remembered. After having a quick conversation, I found out that our friends had replaced the rather expensive lights they'd purchased the year before that played music along with certain light patterns. They bought an entire new coordinated set of ornaments to use instead. We haven't spent more than $5 in any single year on new Christmas decorations since we purchased our artificial tree five years ago. When we purchased our artificial tree, my wife said she'd like to get rid of the glass ornaments that we had because...
  • My Journey out of Debt

    Halfway Home!

    • 10 Comments

    As I slowed to a walk after grabbing an energy drink, I came to the realization that while I had reached the midway point relatively close to my goal, it had taken every ounce of energy I had to do so.

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  • My Journey out of Debt

    The Credit Card Battle

    • 10 Comments

    As a DMP graduate going on almost three years of being debt free, I was very surprised when I checked my credit score and saw it had dropped about 50 points from the year before. The reason? One of my long-term credit cards, which was not on the CareOne plan, was closed. I didn't include it on the DMP because I had no balance on it, and had cut up the card a year before I started the plan. 

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  • My Journey out of Debt

    What’s Your Weakness?

    • 10 Comments

    Well, for obvious reasons, for a long time my "can't say no" was credit cards.  I was young, and they were great; I could buy what I wanted, when I wanted, and nothing came out of my bank account! 

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  • My Journey out of Debt

    There IS Light at the End of This Tunnel!

    • 10 Comments

    For those of you with me, those who are getting closer and closer to the goal of wiping out this debt, please take a moment with me and enjoy the feeling of knowing that this day is coming.

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  • My Journey out of Debt

    $5 Lunch for Two, at a Restaurant!

    • 10 Comments

    Looking through the menu, all the sports bar staples were present: wings, ribs, chicken, wraps, and burgers. Looking further, I saw that the prices looked pretty much on par with any other restaurant. I started to think that I was in for one of those disappointing post meal stare downs with the bill.

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  • My Journey out of Debt

    Think Before you Spend

    • 9 Comments

    The bottom line is that I could have avoided all of this by simply thinking more carefully before I purchased the cans of food.

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  • My Journey out of Debt

    Make Your Spending Count

    • 9 Comments

    That would have increased the cost of the weekend, but with careful spending we could make it work within the budget of the funds we had saved for the weekend.

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  • My Journey out of Debt

    Your Debt-Free, But What do You Have to Show For it?

    • 9 Comments

    Sticking to a budget when you're debt free is just as difficult when you don't have debt to pay.  Why?  Because you don't have debt to pay. 

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In addition to the blogs, be sure to check out the new CareOne Groups:

Starting Out

Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.

Settling In

Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.

Balancing It All

Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.

The New Retirement

Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.